Frugal Tip: Use a Credit Card

Using a credit card is a frugal tip?  Sounds counter intuitive doesn’t it?  In my opinion, using a credit card is the ultimate frugal tool. Let me explain.  As some of you may know, I funnel most (if not all) of our purchases through a single credit card.  What about the high interest you ask?  We don’t pay any because we pay off the balance in full every month.  Of course this strategy doesn’t work if self discipline isn’t already in place.  That is, the balance must be paid off in full every